NPR

Mapping Coastal Flood Risk Lags Behind Sea Level Rise

Federal maps help determine who on the coast must buy flood insurance, but many don't include the latest data. Maryland is now making its own flood maps, so homeowners can see if they're at risk.
Hurricanes in 2012 and 2003 submerged parking lots and park benches, and flooded businesses along Annapolis' Dock Street. City planners estimate that, given the rise in sea level, by 2100 the flood from a once-in-a-hundred-year storm would be almost twice as high as it would be if such a storm hit today.

Sea levels are rising and climate scientists blame global warming. They predict that higher seas will cause more coastal flooding through this century and beyond, even in places that have normally been high and dry.

But mapping where future floods will strike has barely begun.

The Federal Emergency Management Agency maps where people are at moderate or high risk of flooding. Most people with property in hazardous areas — where the annual risk of a flood is one in a hundred or more — are required by law to buy federal flood insurance from FEMA's National Flood Insurance Program.

But FEMA's insurance maps are based on patterns of flooding. Future sea level rise — which is expected to

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